Welcome

2. Welcome • Introductions • Nature • Expectations • Agenda • Timing

3. Objectives • Role of Relocation Program • Role of Housing Programs • Budgeting • Research Neighborhood • Rent vs. Buy Decision Making • Rental Process • Buying Process

4. Relocation Programs and Services Moving counseling and planning Moving information and referral Workshops and briefings Training sponsors Maintaining MilitaryINSTALLATIONS and Plan My Move In and out processing briefings Loan closet

5. MilitaryINSTALLATIONS • Individual Installation Files • Articles on Housing • Housing • Government Housing • Temporary Lodging • Additional Resources on Housing • Demonstrate MilitaryINSTALLATIONS • http://www.militaryinstallations.dod.mil

6. MilitaryINSTALLATIONS Demonstration of MilitaryINSTALLATIONS http://www.militaryinstallations.dod.mil

7. Plan My Move • Standard 90 day calendar • Short 6 week calendar for first move • 4 calendar views depending on departure and destination locations • Customizable • Add, remove, modify tasks • Setup email reminders • Change length of calendar • Demonstration Plan My Move • http://www.militaryhomefront.dod.mil/moving

9. Military OneSource Relocation Essentials Library One on one financial counseling Demonstration of Military OneSource

11. Government Housing Programs • Housing Office • Housing Referral Office • AHRN • Housing Privatization • Overseas Housing Furniture Program • Demonstrate AHRN – http://www.ahrn.com • Demonstrate Services Housing OneStop websites – https:// onestop.army.mil • Navy and Marine Corps –http://www.housing.navy.mil/onestop/ • Air Force – secure website

14. Budgeting for Housing • Budget Elements • Income • Credit Rating • Expenses • Down payment • Interest Rates • Reimbursements • Demo Ginnie Mae rent v. buy decision tool – http://www.ginniemae.gov/rent_vs_buy/rent_vs_buy_calc.asp?Section=YPTH • Demo Ginnie Mae – how much house can you afford to buy – http://www.ginniemae.gov/2_prequal/intro_questions.asp?Section=YPTH

17. Choosing a Neighborhood • Considerations • Location • Touring • Needs • Schools • Safety • Military Community

18. Evaluating a Neighborhood • Traffic • Children • Word of mouth • Interview neighbors • Time of day • Noise • Visual aesthetics

19. Renting – The Process • Determine needs • Community • Housing • Determine price range • Conduct housing search • Lease process • Insurance • Move out • Renting a home

20. Renting – The Process • Determine Community and Housing Needs • Rooms • Children • Pets • Parking • Style • Neighborhood • Commute

21. Renting – The Process • Determine Price Range • 25% rule • Utilities • Insurance • Amenities • Deposit(s)

22. Renting – The Process • Conduct Housing Search • Meet requirements • Investigate less obvious • Maintenance • Insects • Security • Noise • Demo Apartment Hunting Worksheet

23. Renting – The Process • Leasing • Legal document • Protects rights • Explains responsibilities • Illegal provisions • Application • Credit report • Application fee • References

24. Renting – The Process • Lease Provisions • Description of property • Duration of lease • Military clause • Rent due • Deposits • Late charges • Maintenance responsibilities • Utilities included • Parking • Use of common property • Pet policies • Illegal Provisions

25. Renting – The Process • Security deposits • Waiver programs • Purpose • Refund • Interest • Role of legal and housing office • Handout Property Checklist

26. Renting – The Process • Fair Housing Rights • Tenant entitlement • Landlord entitlement • Tenant – Landlord Relations

27. Renting – The Process • Insurance • Your responsibility • Personal property • Personal injury • Fire, theft • Apartment security • Property responsibility • Property • Injury • Fire • Security

28. Renting – The Process • Moving Out • Condition • Refunds • Disputes • Evictions

29. Renting – The Process • House • Agreement v. Lease • Advantages • Privacy • Space • Storage • Parking • Disadvantages • Absentee landlord • Additional costs (utilities, yard) • No protection under Fair Housing Laws

30. Buying – The Process • Role of real estate agent • Buying a house • Obtaining a mortgage

31. Buying – The Process • Real Estate Agent • Use • Types • Brokers • Qualifications

32. Buying – The Process • Home Economics • Steps • Organize • Watch • Negotiate • Elevate • Read

36. Buying – The Process • Types of mortgages • Questions for lenders • Qualification process • Loan application • Closing

39. Buying – The Process • Loan Closing • Rights • New laws • Consumer protections

40. Questions • Review Expectations • Follow up – Due Outs • Review Resources • Websites • Handouts • Evaluations